There are three types of Group Dental Insurance
plans on the market today:

Dental HMO / PrePaid Dental Insurance Plans
(DMO)

DHMO plans provide the most affordable option.
Employees receive care through a network of highly
qualified dentists. There are no waiting periods,
calendar year maximums or deductibles and no claim
forms. As in the HMO medical plan, each enrolled
employee will select a primary dentist who will
coordinate all care rendered. Dental HMO plans
are comprehensive, covering more procedures than
many other dental benefits plans.

Dental PPO (DPO)

DPO plans provide choice. Individuals receive
care through a much larger network of highly qualified
dentists and may also access care outside of the
contracted network at a reduced reimbursement.
There can be waiting periods applied to specific
levels of service which may be waived if there
is prior coverage without a gap of greater than
63 days (per HIPAA law). Clients pay co-insurance
for services and plans limit the amount of care
to specific annual benefit maximums.

Dental Indemnity

Dental indemnity policies allow for the greatest access to
available dentists by providing usual and customary reimbursement.
Using contract dentists on these plans often provides for
greater savings. Plans have benefit maximums and co-insurance.